Articles by Patrick Totty

Boomers Look for Advisers

Failing to capture baby boomers' retirement assets could deal a big blow to CUs.
Patrick Totty
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Failing to capture baby boomers' retirement assets could deal a big blow to CUs.
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Be a Master of Disaster Planning

Business continuity requires a broader definition of 'disaster.'
Patrick Totty
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The term "business continuity" equates to "disaster avoidance."
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Raise Gift Cards Above the Clutter

Offer something unique that inspires members to buy CU gift cards.
Patrick Totty
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Promote gift cards to SEGs to use as bonuses or spot awards.
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Gift Cards Go Mainstream

CUs cash in on gift cards’ convenience and contemporary designs.
Patrick Totty
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CUs cash in on gift cards by using offerings and insights from CU-oriented vendors.
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ALM Goes to the Front of the Line

Regulators are coming down on CUs that don't do thorough ALM.
Patrick Totty
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For most credit unions, asset/liability management (ALM) has been a “get in line” topic: Get in line behind security, marketing, loan origination and tracking, member relationships, and a host of other pressing matters.
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Credit Cards: Keep a Lid on Losses

Pay attention to your products, the market, and regulations to maintain high credit quality.
Patrick Totty
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Pay attention to your products, the market, and regulations to maintain high credit quality.
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Protective Patterns

New innovations in biometrics manage access control and staff attendance.
Patrick Totty
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Even with advanced technologies such as retinal scans, fingerprints remain the staple biometric identity authentication.
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Comply or Die

Don't skimp on compliance, especially as it relates to security.
Patrick Totty
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Think you can put off data security compliance to stretch a limited operating budget? Think again.
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Stay in Front of Members

Database marketing, branding raise CUs above the marketing clutter.
Patrick Totty
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Consciously or not, credit unions amass immense amounts of data about their members. Analyzed properly, those data can be the basis of intensely focused, highly productive marketing approaches that recognize demographic differences among members.
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CRM Success Depends More on Strategy Than Software

Patrick Totty
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If you've recently installed CRM software and are wondering how to measure its effectiveness, here's a bit of advice.
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